Health Happens- Be Ready For It!
Comprehensive personal health insurance for Indian families and individuals. Get protection against medical emergencies, hospitalization, and rising healthcare costs with coverage that actually covers what matters.
When Medical Bills Strike, We've Got Your Back (and Wallet)!
- India's top health insurers, hospital-tested protection
- Complete Coverage, Fever to Surgery
- Health Insurance Made Simple, Expert Medical Shield
- Every Illness Protected, Every Bill Covered
Personal Health Insurance
Trusted By 1500+ Enterprises
From Startups to Stalwarts, India’s Finest Choose CoverBizz
What is Personal Health Insurance
Health Insurance: Your Medical Emergency Fund on Steroids!
Think of health insurance as having a rich uncle who loves paying your hospital bills! It’s comprehensive protection against hospitalization costs, surgeries, treatments, and those shocking medical bills that make your life savings evaporate faster than morning dew in summer.
Whether you’re facing dengue in Delhi or appendicitis in Ahmedabad, health insurance ensures that medical emergencies don’t become financial catastrophes. It’s like having a money printer that only works inside hospitals – perfectly legal and totally necessary!
Why Is This Policy Vital for Everyone
Because One Hospital Bill Can Delete Your Savings Faster Than You Can Say “Medical Inflation!”
Medical inflation in India runs at 10-15% annually – double the regular inflation rate! A basic heart surgery costs ₹4-5 lakh, ICU beds run ₹8,000-₹15,000 per day, and cancer treatment can exceed ₹15 lakh. Health insurance is the difference between “recovery and bills paid” and “recovery but savings destroyed.” It’s survival insurance for India’s 140 crore people!
Who Needs Personal Health Insurance?
Young Professionals & Singles
Budget-friendly coverage starting at ₹300/month protecting against accidents, lifestyle diseases, and emergency hospitalization.
Families with Children
Family floater plans covering spouses and kids under single policy with shared sum insured and affordable premiums.
Senior Citizens (60+ years)
Specialized senior plans covering age-related illnesses, pre-existing conditions, and OPD expenses with higher premiums but comprehensive coverage.
Self-Employed & Freelancers
Critical protection without employer-sponsored benefits, covering hospitalization, daycare procedures, and annual health check-ups.
Women & Maternity Coverage
Plans including maternity benefits, newborn coverage, and women-specific illnesses like PCOS and thyroid disorders.
Chronic Disease Patients
Coverage for diabetes, hypertension, and other chronic conditions after waiting periods with specialized disease management programs.
Types / Add-ons Commonly Offered
Individual Health Plan
Personal coverage for single member
Family Floater
Shared coverage for entire family
Critical Illness Rider
Lumpsum payout for cancer, heart attack, stroke
Daily Hospital Cash
Fixed daily allowance during hospitalization
OPD Coverage
Doctor consultation and diagnostic costs
No-Claim Bonus
Premium discount or sum insured increase
What Personal Health Insurance Covers
Hospitalization Costs
ICU Charges
Surgery Expenses
Pre-Post Hospitalization
Daycare Procedures
Ambulance Charges
Organ Donor Expenses
Room Rent
COVID-19 Treatment
Annual Health Check-up
AYUSH Treatment
Domiciliary Hospitalization
Inclusions & Exclusions
Inclusions
Hospitalization Expenses
Room rent, ICU charges, nursing, and medical expenses during hospital admission (24+ hours typically)
Pre & Post Hospitalization
Medical expenses 30-60 days before and 60-90 days after hospitalization
Daycare Procedures
Treatments requiring less than 24-hour hospitalization like cataract surgery, dialysis, chemotherapy
Ambulance Charges
Emergency transport costs up to specified limits (typically ₹1,500-₹5,000 per hospitalization)
COVID-19 Treatment
Hospitalization, quarantine, and treatment costs for coronavirus covered under all policies
Exclusions
Pre-existing Diseases
Conditions diagnosed before policy start covered only after 2-4 year waiting period
Cosmetic Surgery
Aesthetic procedures, hair transplants, and beauty treatments not covered
Self-inflicted Injuries
Suicide attempts, drug abuse, and intentional self-harm excluded
War & Nuclear
Injuries from war, nuclear weapons, and radioactive contamination excluded
First 30 Days
Initial waiting period excludes all claims except accidents (some plans waive this)
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
No! Typical waiting period is 2-4 years. Some plans offer 1-year waits. Patience pays in health insurance!
Yes! Portability allows switching insurers while retaining waiting period credits and no-claim bonuses. Take your benefits along!
Most modern plans now cover psychiatry hospitalization! Check policy wording - mental health = covered, stigma = excluded!
Sum insured = total coverage; room rent = daily limit. Exceed room limit = you pay extra or upgrade policy!
AYUSH treatments at government-approved hospitals are covered in most comprehensive plans. Alternative medicine = covered alternative!
Absolutely! Multiple policies allowed - claim from both up to actual expenses. Double coverage = double smart!
Customers Says..
Ms. Priya Sharma (Bangalore)
Mr. Rajesh Gupta (Delhi)
